Generally speaking, our Towing and Labor endorsement can provide roadside assistance for towing, gas delivery, unlocking your car, changing flat tires, jump-starting dead batteries and more. It covers all of these situations up to the amount listed on the policy, typically $100 per disablement, which is usually enough to get you to the nearest service station for more help. You may also be covered if you’re driving a vehicle you don’t own, and no other coverage is available. Exactly what’s covered can vary by your insurance company or provider, so it’s important to check before signing up.
You may already have some form of this coverage through your credit card, automotive association or car manufacturer. However, it may be best to consider adding this coverage to your auto policy in order to bundle your coverages and not have to keep up another membership.
What makes roadside assistance different from other coverage?
Roadside assistance is different from other coverages on the auto policy because a covered loss doesn’t need to occur in order for this coverage to be used. For example, if your car runs out of gas, that isn’t a covered loss that falls under any of the other policy coverages. With roadside assistance, you can get the help you need by either getting a tow or having gas brought to you. The same goes for towing: If you’re in a collision and your car needs to be towed, that tow would fall under your collision coverage. However, if your car simply broke down on the highway, a loss hasn’t occurred, and therefore, you’d need roadside assistance coverage in order to have the tow paid for.
Why is roadside assistance important?